Filed March 11, 2020
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,611 | $65,434+20.1% | $98,483-20.2% | $85,847-8.4% |
| Participation rate | 34.6% | 65.0%-30.4pp | 73.3%-38.7pp | 69.3%-34.7pp |
| Annual return | 20.25% | 21.75%-1.5pp | 1494.38%-1474.1pp | 318.61%-298.4pp |
| Employer contribution / active EE | $1,296 | $2,169-40.3% | $2,961-56.2% | $2,565-49.5% |
| Participant deferral / active EE | $2,454 | $3,168-22.5% | $4,276-42.6% | $3,952-37.9% |
| Admin fee / account holder | $1,907 | $4,595-58.5% | $5,953-68.0% | $6,261-69.5% |